ZIP Code 38030 — Finley CDP, TN Demographics & Data

ZIP code 38030 covers Finley, TN in Dyer County with a population of about 166.

At a glance, the area shows median age of 38.4 (near the U.S. median).

It sits in telephone area code 731; U.S. House district TN-8; the MEMPHIS media market.

Finley, TN reads as a military / base-oriented community on US5’s intent model (elevated veteran share (31.3%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 38030 is about $57,393 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.2%; unemployment rate near 0.0%; 16.0% of adults with a bachelor’s degree or higher (about 17.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Food services, and Public administration; about 9.7% of workers reporting work-from-home (about 5.5 points below the U.S. share (15.2%)); a mean commute of about 102.0 minutes (U.S. average near 26.8).

Median home value is about $171,400 — about 51% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $904 (about 22% below the U.S. median rent ($1,163)), and owner-occupancy near 42.7% (about 22.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38030 in Finley, TN, a household would need roughly $47,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,101. That sits below the local median household income ($57,393), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Finley CDP, TN as Relatively Moderate (composite score 86.6), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (51.6) and flood (37.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Finley CDP, TN show little to no average snow and around 53.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 6 for ZIP 38030 (Finley CDP, TN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.